Contractors

As Independent Brokers for Orr & Associates, we have the expertise to cater to the specific insurance needs of your industry. In today’s litigious society, protection against lawsuits and other liabilities is essential. With numerous quality markets we’ll find the quote that fits your need, and provide supreme service throughout the year.

Restaurants

Whether your restaurant is fast food, take out, or sit-down dining we have a variety of general liability policies as well as packages that includes your business equipment. For liability and business personal property click on “Restaurants”, for restaurant related workers comp, click on “Workers Comp” and complete the form as detailed as possible.

Small Business

From retail stores with general and product liability needs, to technology services who may need general liability PLUS professional liability we can help. For your general liability or business owner policy quote, click “Small Business”. For engineers, architects, technology services and others in need of Professional Liability, please send an email for a request for the appropriate application for your field of work.

Workers Comp

We know that your employees are one of your most important resources. In addition to providing a safe working environment, you need a carrier that helps you address indirect costs by helping you get injured employees back to work as quickly as is medically appropriate and assist you in preventing workplace injuries and illnesses. Our markets offer the coverage you need at a competitive price.

Commercial Auto

Are you covered while on the job? Does your employee use their car to run errands for you? Personal auto coverage doesn’t cover claims on accidents that occur while working. We have access to an abundance of markets to quote a variety needs including “Any Auto”(Symbol One offered when appropriate need is demonstrated), “Hired and Non-Owned Auto” and other special needs.

Equipment

We have markets to quote business personal property, scheduled or misc equipment, Motor Truck Cargo, Ocean Cargo and more. Go to our Equipment page and let us know what you need to cover!

Privacy liability is an evolving exposure for any business which handles, transmits, stores, or processes “personally identifiable information”. Regulations and litigation trends over the past 10 years have created an environment with strict requirements for an organization’s behavior in the event of a data breach. The potential for financial damages, reputational harm, lost business income [...]

Our agency has been working in conjunction with a great payroll services company. They are able to work with just about every workers comp insurance carrier we can quote your business with, AND they offer pay as you go services with many carriers. They offer many services free that other payroll services charge for. Often [...]

NEED PAYROLL SERVICES??? WE ARE NOW AFFILIATED WITH A PAYROLL SERVICE CALLED OVATION PAYROLL. THEY ARE COMPETITIVE WITH PAYCHEX AND ADP, ARE NATIONWIDE, AND OFFER MANY SERVICES FREE THAT THE OTHERS CHARGE FOR. EXAMPLE, AN EMPLOYER WOULD HAVE ACCESS TO: Program Advantages: No down payment Improved cash flow No checks to write Premium calculated on [...]

Orr & Associates is a commercial insurance agency/brokerage made up of an amazing group of people dedicated to being the experts in the changing commercial insurance market. We work hard to maintain the lowest available rates for contractors, restaurants and other small businesses throughout California.